Apni Zameen Apna Ghar Scheme is a big housing help by the Punjab Government. This is for poor people who have no home. The government is giving free 3 marla plots. It also gives loans without interest. The goal is to help low income families. They can build a safe home of their own.
This scheme is started by Punjab Housing and Town Planning Agency. It is also called PHATA. It is only for people who have no land. It is for people who earn less money. It helps widows. It helps orphans. It helps disabled people. It also helps daily wage workers. These people will get first priority.
This article will tell everything in simple words. Who can apply. What you need. How to apply. What is the loan. What are the rules. What you must follow.
⭐ Important Information
| Feature | Details |
|---|---|
| Scheme Name | Apni Zameen Apna Ghar |
| Started By | Punjab Housing and Town Planning |
| Plot Size | 3 Marla |
| Loan Amount | Up to Rs 1500000 |
| Loan Type | Interest Free |
| Monthly Payment | Rs 14000 |
| Loan Time | 7 Years |
| Free Period | 3 Months |
| Website | azag.punjab.gov.pk |
| Help Number | 0800 09100 |
✅ What You Get
You get one free 3 marla plot. You also get loan without interest. The loan is Rs 1500000. You will pay back in 7 years. Each month you pay Rs 14000. You get 3 months break at the start.
📋 Who Can Apply
You must be from Punjab. Your CNIC must show Punjab address. You must not have any house or land. This rule is also for your wife and children. You must apply in your own district only. You must not have any police case. You must be in the NSER database. Your poverty score must be 60 or less. Your total home income must be below Rs 50000. You must not get any government plot before. You must not be a bank loan defaulter.
🔷 Who Gets Priority
People who get first chance are:
- Widows
- Orphans
- Disabled People
- Daily Wage Workers
These people will get extra points during selection.
📑 Documents Needed
You must upload scanned copies of:
- Your CNIC
- CNIC of wife if married
- Family Registration Certificate from NADRA
- Income proof like salary slip or written note
- Punjab proof like electric bill or domicile
- NSER or PMT certificate from Ehsaas or BISP
🌐 How to Apply
Go to azag.punjab.gov.pk
Click on My Application
Enter your CNIC to register
Fill the online form
Upload your documents
Submit the form
Save your application number
If you do not have internet go to Deputy Commissioner office. They will help you.
💸 Loan Details
You get the loan under Apni Chhat Apna Ghar program.
- Loan up to Rs 1500000
- You pay Rs 14000 monthly
- Time to pay is 7 years
- You get 3 months free time before payment
- Loan is given in steps as you build
Apply at azagpunjabgov.com.pk
⚠️ Rules You Must Follow
You must start building house in 6 months
You must finish house in 2 years
You cannot sell the plot for 5 years
You can use the land only for living purpose
You cannot use for shop or business
If you break rules the plot will be taken back
☎️ Need Help
Call 0800 09100
Or visit your local Deputy Commissioner Office
Or check the website for updates
✨ Why This Scheme Is Good
This scheme is for poor families. People in Punjab work very hard. But many do not have a home. This scheme gives land and money to build a house. There is no interest on the loan. It helps you build your own home.
You just need to give the documents. The form is easy to fill. You can apply online or at the office. If you follow all steps you may get your own plot.
This scheme gives hope to many people. It gives honour and safety. Families will live with respect. Children will sleep under a roof. Mothers will feel safe. Fathers will feel strong.
If you meet the rules apply now. Your dream home may come true. Do not wait.
❓FAQs
Q1. My income is Rs 55000. Can I apply?
No. Your income must be under Rs 50000.
Q2. I already have a small plot. Can I apply?
No. You must have no land or house.
Q3. Can I apply from another district?
No. Only apply in your home district.
Q4. I cannot start building in 6 months. What happens?
The government can cancel your plot. So follow the rules.